Net Worth Statement Template
A formal personal balance sheet in Excel. Lists all your assets and liabilities in a clean, professional format. Perfect for loan applications, financial planning, or just knowing exactly where you stand.
- Formal Asset & Liability Categories
- Automatic Net Worth Calculation
- Print-Ready PDF Format
- Historical Tracking Charts Premium
- FIRE Retirement Planning Premium
- 100% Private · Your Data Stays on Your Computer
Personal Financial Statement
Net Worth Statement
As of June 30, 2026
Assets
Liabilities
When You Need a Net Worth Statement
A net worth statement is your personal balance sheet. It shows exactly what you own, what you owe, and the difference. Here's when it matters most.
Loan Applications
Banks and lenders need a clear picture of your finances. This template produces a professional statement that shows your assets, liabilities, and net worth in the format lenders expect. Print it or save as PDF.
Financial Planning
Your financial advisor needs accurate data to give good advice. Take a snapshot of everything you own and owe. Update it annually to track your progress towards retirement and other goals.
Estate & Legal
Estate planning, divorce proceedings, and immigration applications often require a formal statement of net worth. The template produces a document in the standard financial statement format that professionals recognise.
Frequently Asked Questions
Common questions about net worth statements.
What is a net worth statement?
A net worth statement is a formal document listing all your assets and liabilities at a specific point in time. It calculates your total net worth (assets minus liabilities). It's essentially a personal balance sheet, used for financial planning, loan applications, divorce proceedings, and estate planning.
What should I include on a personal net worth statement?
Assets include: cash and bank accounts, investments (stocks, bonds, mutual funds), retirement accounts (401k, IRA, pension), real estate at current market value, vehicles, business interests, and personal property of significant value. Liabilities include: mortgages, car loans, student loans, credit card debt, personal loans, tax obligations, and any other money owed.
When do I need a formal net worth statement?
Common situations include: applying for a mortgage or business loan, financial planning with an advisor, divorce or legal proceedings, estate planning, visa or immigration applications, applying for certain government programmes, and annual financial health check-ups.
How is a net worth statement different from a net worth tracker?
A net worth statement is a snapshot at one point in time, formatted as a formal financial document. A net worth tracker records your net worth over many months or years to show trends. Our template includes both: a formal statement view and a historical tracking sheet.
Should I include my primary home in my net worth?
Yes, include your home at its current market value as an asset, and your remaining mortgage as a liability. The difference (home equity) contributes to your net worth. Some people also calculate "investable net worth" excluding their home, which our template supports.
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Try PopaDex for automatic bank syncing, real-time net worth tracking, and historical charts. Or stick with the free Excel template — both work.
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